LTV · monthly repayment
▼ 0.50% · 3.625%
HK$174,134
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$179,551
−HK$5,503/mo
Today · 4.125%
HK$185,054
baseline
▲ 0.50% · 4.625%
HK$196,314
+HK$11,260/mo
Deposit HK$38.18M · loan HK$38.18M · min. income ≈ HK$370,108/mo (50% DSR)
Upfront cash ≈ HK$41.43M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,723
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$198,918
−HK$5,271/mo
Today · 4.125%
HK$204,189
baseline
▲ 0.50% · 4.625%
HK$214,952
+HK$10,763/mo
Deposit HK$38.18M · loan HK$38.18M · min. income ≈ HK$408,378/mo (50% DSR)
Upfront cash ≈ HK$41.43M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,961
−HK$13,104/mo
▼ 0.25% · 3.875%
HK$215,461
−HK$6,604/mo
Today · 4.125%
HK$222,065
baseline
▲ 0.50% · 4.625%
HK$235,577
+HK$13,512/mo
Deposit HK$30.55M · loan HK$45.82M · min. income ≈ HK$444,130/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,467
−HK$12,560/mo
▼ 0.25% · 3.875%
HK$238,702
−HK$6,325/mo
Today · 4.125%
HK$245,027
baseline
▲ 0.50% · 4.625%
HK$257,942
+HK$12,915/mo
Deposit HK$30.55M · loan HK$45.82M · min. income ≈ HK$490,054/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,788
−HK$15,288/mo
▼ 0.25% · 3.875%
HK$251,371
−HK$7,705/mo
Today · 4.125%
HK$259,076
baseline
▲ 0.50% · 4.625%
HK$274,840
+HK$15,764/mo
Deposit HK$22.91M · loan HK$53.46M · min. income ≈ HK$518,152/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,212
−HK$14,653/mo
▼ 0.25% · 3.875%
HK$278,486
−HK$7,379/mo
Today · 4.125%
HK$285,865
baseline
▲ 0.50% · 4.625%
HK$300,933
+HK$15,068/mo
Deposit HK$22.91M · loan HK$53.46M · min. income ≈ HK$571,730/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,442
−HK$19,655/mo
▼ 0.25% · 3.875%
HK$323,192
−HK$9,905/mo
Today · 4.125%
HK$333,097
baseline
▲ 0.50% · 4.625%
HK$353,366
+HK$20,269/mo
Deposit HK$7.64M · loan HK$68.73M · min. income ≈ HK$666,194/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,701
−HK$18,839/mo
▼ 0.25% · 3.875%
HK$358,053
−HK$9,487/mo
Today · 4.125%
HK$367,540
baseline
▲ 0.50% · 4.625%
HK$386,914
+HK$19,374/mo
Deposit HK$7.64M · loan HK$68.73M · min. income ≈ HK$735,080/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$3,245,561 · Scale 2, in force from 26 Feb 2026)